Originally posted by soln
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QDOS say you pay your £250 and they will cover you for this? That's appalling. If you got caught the case would cost QDOS tens of thousands from other people's payments where you've paid just £250 and are in the highest risk catagory. Why have I been paying for 10+ years and not needed them because I've done things properly yet they'll use all that money I've paid in to cover someone who should be inside and should be caught?
That's just not right.... You were incorrectly outside, customer has admitted that, QDOS should want nothing to do with this for obvious reasons. What other insurance in the world is there where you can commit the offense and then get insurance for it afterwards? at the same rate as everyone else that's done everything right?
QDOS won't cover policies that were checked and failed so why will they cover yours without even seeing the contract? Just madness.
All that said, I also understand the reason QDOS is OK with it is because they know the chance of you getting investigated is slim to nil. It's free money so they won't turn away a free £250 because they know the risk of them having to spend tens of k defending you won't happen. Doing the right thing by loyal paying customers doesn't matter if the risk isn't there.
The fact they've got the clause about the business insurance is probably kind of what I'm saying. You've not given QDOS a penny and now you expect full legal coverage for just 250 quid.
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